View 1998 Mercury Mountaineer Car Insurance Cost

Looking for better auto insurance rates for your Mercury Mountaineer? Having to pay for pricey auto insurance can draw down your personal savings, especially in this economy. Comparing rate quotes can save money and help to make sure you’re not throwing money away.

With people having so many options when it comes to auto insurance, it can be diffult for drivers to find the lowest price insurer.

You should take the time to price shop coverage as often as possible because auto insurance prices are variable and change quite frequently. Even if you think you had the lowest price for Mountaineer insurance at your last renewal you can probably find a better rate now. You can find a lot of information about auto insurance on the web, but you can learn the easiest ways to slash your auto insurance rates.

Choosing the best insurance company for you is quite easy. If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using this strategy. But consumers should learn how big insurance companies determine prices and use this information to your advantage.

The best way to compare rate quotes is to take advantage of the fact most of the larger companies provide online access to give you rate quotes. To begin a comparison, all you need to do is give the companies some data including your credit rating estimate, how your vehicles are used, the year, make and model of vehicles, and how much you drive. Those rating factors is then sent to multiple car insurance providers and you get price estimates quickly.

To get price quotes for your Mercury Mountaineer now, click here and complete the quick form.

Tailor your auto insurance coverage to you

When it comes to choosing the right insurance coverage for your personal vehicles, there is no best way to insure your cars. Your needs are not the same as everyone else’s so this has to be addressed. For example, these questions might point out whether your personal situation might need an agent’s assistance.

  • Is my cargo covered for damage or theft?
  • Does my medical payments coverage pay my health insurance deductible?
  • How can I get high-risk coverage after a DUI?
  • Why am I required to buy liability insurance?
  • Are my friends covered when driving my 1998 Mercury Mountaineer?
  • How much liability do I need to cover my assets?
  • Do I have coverage when using my vehicle for my home business?
  • What is roadside assistance coverage?

If you can’t answer these questions, you might consider talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of auto insurance companies in your area.

Specific coverages for a 1998 Mercury Mountaineer

Understanding the coverages of a car insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. Car insurance terms can be ambiguous and reading a policy is terribly boring. These are typical coverage types offered by car insurance companies.

Liability coverages

Liability insurance will cover injuries or damage you cause to people or other property by causing an accident. It protects you from claims by other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against things such as medical expenses, court costs, loss of income and structural damage. How much coverage you buy is your choice, but consider buying as high a limit as you can afford.

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like hitting a deer, damage from flooding and vandalism. The highest amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection when other motorists either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance provide coverage for expenses for prosthetic devices, doctor visits, EMT expenses, pain medications and chiropractic care. They are used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants in addition to any family member struck as a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

This coverage covers damage to your Mountaineer caused by collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like scraping a guard rail, sustaining damage from a pot hole, colliding with a tree and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. You can also raise the deductible to save money on collision insurance.